Ficus Fulcrum | Fulcrum

What sets Ficus apart is our belief that investors are more than transactions—we see each of you as individuals with unique motivations and needs.

It’s why we built Fulcrum—to uncover what drives you, your financial goals, your risk tolerance, and investment values, and to deliver a tailored strategy.

This assessment takes about 5 minutes and should be completed in one sitting—refreshing your browser may reset your progress. You may review and revise your answers as you proceed, but please complete each one before advancing to ensure accurate results.

On completion, Fulcrum will generate your investor profile, deliver personalised recommendations, and outline actionable next steps.

By proceeding, you affirm you have read and understand our Risk Disclosures & Disclaimers.

Before you begin…

Answer all questions honestly—there are no right or wrong answers
For organisations (SMEs), the authorised decision-maker should complete this on behalf of the entity
Your profile will be used to recommend appropriate investment options

Investor classification

1. Which of the following best describes you?

(Identifies if you invest personally or as an SME)

1

I am investing for personal/family purposes. My/our net worth is below ₦100 million.

2

I represent a corporate entity or SME (non-financial institution)

3

I am investing for personal/family purposes. My/our net worth is about ₦100 million AND we have a good knowledge of investments

Investment purpose & time horizon

2. What is your primary purpose for investing, and how long do you plan to invest?

(Clarifies why you’re investing and for how long)

1

Short-term goals (1–2 years): building reserves or preparing for specific expenditure

2

Medium-term goals (3–5 years): business expansion, major purchases, or partial retirement

3

Long-term goals (6–10 years): wealth building or preparing for full retirement

4

Generational wealth transfer (10+ years): building legacy assets or succession planning

Income & liquidity needs

3. How much of your invested funds might you need to access annually?

(Understands when you’ll need funds and how much)

1

I may need more than 50% of my investment accessible for regular expenses or business needs

2

I may need 25–50% accessible for occasional needs

3

I may need 10–25% accessible for unexpected opportunities

4

Less than 10%—I have other sources for most of my cash needs

Financial knowledge & experience

4. How would you rate your investment knowledge and experience?

(Gauges your experience and comfort with investing)

1

Limited—I’m new to investing beyond basic savings accounts

2

Basic—I understand simple investment products but rely on advisors for complex decisions

3

Good—I understand different asset classes and have some investment experience

4

Advanced—I have extensive knowledge and regularly make investment decisions

Real-world risk scenario

5. If your N10m investment dropped to N8m (~20%) within a short period, what would you most likely do?

(Reveals how you respond when markets dip)

1

Sell everything to prevent further losses

2

Sell some investments and move to safer options

3

Hold all investments and wait for recovery

4

Invest more to take advantage of lower prices

Risk/return trade-off

6. Which investment approach best reflects your preference?

(Finds whether you prefer safety or higher returns)

1

Guaranteed return of 8% annually

2

80% chance of 12% return but 20% chance of 0% return

3

50% chance of 20% return but 50% chance of –5% return

4

30% chance of 35% return but 70% chance of –10% return

Business cycle sensitivity

7. How would market downturns affect your business or income source?

(Measures how market cycles affect your comfort)

1

Counter-cyclical or highly insulated—I want my income to increase if possible during downturns

2

Somewhat insulated—I want my income to remain mostly stable during market fluctuations

3

Moderately sensitive—I don’t mind some impact but with reasonable stability

4

Highly sensitive—I don’t mind economic downturns significantly impacting my income

Financial obligations & dependents

8. What are your financial obligations to family, business, or community?

(Accounts for your financial commitments and dependents)

1

High obligations—responsible for many dependents or business obligations

2

Moderate obligations—some responsibilities but with flexibility

3

Limited obligations—few dependents or discretionary responsibilities

4

Minimal obligations—primarily focused on personal/organizational growth

Decision-making approach

9. How do you typically make important financial decisions?

(Reveals how you prefer to make decisions)

1

I seek consensus among family members or stakeholders before proceeding

2

I consult experts and advisors, then decide based on their recommendations

3

I gather information independently and make decisions based on analysis

4

I make decisions quickly when opportunities arise, even with incomplete information

Previous investment experience

10. Which statement best describes your previous investment experience?

(Reviews your past exposure to different investments)

1

I’ve mainly used savings accounts, fixed deposits, or government bonds

2

I’ve invested in some corporate bonds and dividend-paying stocks

3

I’ve had a diversified portfolio including stocks, bonds, and perhaps some alternatives

4

I’ve invested in high-growth opportunities, startups, or specialized markets

Values & impact preferences

11. Beyond financial returns, what factors influence your investment decisions?

(Uncovers your ethical and social investment priorities)

1

Safety and security are my primary concerns

2

Supporting local businesses and community development

3

Balancing financial returns with positive social and environmental impact

4

Maximizing financial opportunity is my primary focus, regardless of sector

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